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SIP Vs FD

Updated on October 1, 2025 , 20829 views

Which is a Better Investment Option?

Individuals are always in a catch 22 situation when it comes to choosing between FD and SIP for investment. SIP is a mode of investment in Mutual Funds through which individuals can deposit small amounts at regular intervals. FD, on the other hand, is an investment avenue where people deposit a certain amount for a fixed tenure and get back the amount with interest during maturity. So, let us understand which is better between FD and SIP, SIP return calculator, Top SIP to invest, and much more.

What is a Systematic Investment Plan or SIP?

Systematic Investment plan or SIP is an investment mode in Mutual Funds which allows people to deposit small amount at regular intervals. SIP can also be referred to as a goal-based investment. SIP is one of the beauties of Mutual Funds through which people can invest as per their convenience. Through SIP people can plan to achieve many objectives like purchasing a house, purchasing a vehicle, planning for higher education, and much more. Though SIP mode of investment is available in many schemes, however, it is generally referred in the context of Equity Funds.

SIP VS FD

People can start their SIP investment with the amount as low as INR 500.

What is a Fixed Deposit or FD?

Fixed Deposit of FD refers to an investment avenue which is generally offered by banks and Post Office. In case of FD, people need to deposit a considerable amount as a one-time payment for a fixed time frame. Here, people get back their investment amount at the end of the tenure. However, people cannot break the FD during the tenure and if they try to break they need to pay some charges to the Bank. The FD Income earns interest on the investment. This interest income earned is taxable in the hands of investors.

Which One to Choose?

Since SIP is an investment mode in Mutual Funds while FD is an investment avenue it itself; both of them show different characteristics. So, let us understand the differences between both of them.

Minimum Investment

The minimum investment in Mutual Funds through SIP mode of investment starts with INR 500. Therefore, it can be ensured that it does not pinch people’s pockets much. Moreover, the frequency of SIP can also be set as monthly or quarterly as per people’s convenience. On the other hand, in FD the minimum investment amount ranges between INR 1,000-10,0000. Since FD investment is through lump sum mode, therefore, people do not keep on Investing the amount.

Tenure

FDs being a traditional investment avenue are considered for both short-term and long-term investment. The tenure of FD can be 6 months, 1 year and can go up to 5 years. On the contrary, SIP is generally chosen for long-term investment. Since SIP is generally referred in the context of equity funds, the long-term investment would help you to earn maximum revenues. In addition, people can enjoy maximum benefits if they are held longer.

Returns

The returns on FD is fixed in the form of interest which does not change over a period of time. For the Financial Year 2017-18, the FD rates Range between 6%-7% approximately if the investment is kept for one year. On the contrary, in case of SIP, the returns are not fixed as the returns are dependent on the performance of the Underlying equity shares. However, if the Mutual Funds are held for a period of more than five years have given historical returns of more than 15%.

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Risk Appetite

The risk-appetite of FD is considered to be less as compared to SIP. FDs are generally offered by banks. On the other hand, the risk appetite of SIP is more than the FD. However, if the SIP is held for a longer-tenure, the probabilities of loss reduces.

Liquidity

The liquidity in case of SIP is more as compared to FD. In case of SIP, if people redeem their investment they can get the money back in T+3 days for equity funds. However, in case of Debt fund, the settlement period is T+1 days. However, in case of fixed deposits, it is not easy to redeem it. Even if people try for premature withdrawals, they need to pay some charges to the bank.

Taxation

The taxation rules in case of Mutual Funds and FDs both are different. In case of FDs, for the Financial year 2017-18, the interest earned is charged as per the individual’s regular tax slabs. However, as SIP is generally with respect to equity funds, therefore the tax rules related to equity funds are explained as follows.

For the Financial Year 2017-18, if the equity funds are sold after one year from the date of purchase, they are applicable for long-term Capital gains which is not taxable. However, if these funds are sold before one year from the date of purchase then; it is subject to short-term Capital Gain which is charged at a Flat rate of 15% irrespective of the individual’s tax slab.

Characteristics

SIP has a lot of features such as rupee cost averaging, the Power of Compounding, and so on, which is not available in case of an FD. So, let us see what do these characteristics mean.

1. Rupee Cost Averaging

In case of SIP, people invest in Mutual Fund units at regular time periods when the markets are showing different price behaviour. Therefore, when the markets are showing a downtrend, people can purchase more units and vice versa. Therefore, the purchase price of units gets averaged out due to SIP. However, in case of FD, this feature is not available as the amount is deposited for only one time.

2. Power of Compounding

SIP is applicable to compounding. Compounding refers to the compound interest where the interest amount is calculated on the principal amount and already accumulated interest. In case of FD, the interest amount is also subject to compounding.

3. Disciplined Savings Habit

SIP develops disciplined savings habit among individuals as people need to deposit money at regular intervals. On the contrary, in FD as people deposit the money only once, they may or may not develop a disciplined savings habit.

The table given below summarizes the differences between SIP and Fixed Deposits.

Parameters SIP Fixed Deposits
Returns Varies as per the Fund’s performance Predetermined
Minimum Investment Starts from INR 500 Ranges between INR 1,000 – 10,000
Tenure Generally used for long-term Both Short and Long-term tenure
Risk High Low
Liquidity High Low
Taxation Short-term: Taxed at a Flat Rate of 15% Long-term: Not Taxed Taxed as per individual’s slab rates
Features Rupee Cost Averaging, Power of Compounding, & Disciplined Savings Habit Power of Compounding

Best SIP to Invest for FY 25 - 26

FundNAVNet Assets (Cr)Min SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
ICICI Prudential Banking and Financial Services Fund Growth ₹133.56
↑ 0.19
₹9,688 100 -1.29.16.816.921.411.6
Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹60.53
↑ 0.08
₹3,374 1,000 -28.94.81721.58.7
Invesco India Growth Opportunities Fund Growth ₹100
↑ 0.02
₹8,125 100 -1.414.64.325.123.237.5
Kotak Standard Multicap Fund Growth ₹84.877
↑ 0.53
₹53,626 500 -2.110.71.718.219.316.5
Mirae Asset India Equity Fund  Growth ₹112.699
↑ 0.28
₹39,477 1,000 -0.98.7-0.41416.712.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Oct 25

Research Highlights & Commentary of 5 Funds showcased

CommentaryICICI Prudential Banking and Financial Services FundAditya Birla Sun Life Banking And Financial Services FundInvesco India Growth Opportunities FundKotak Standard Multicap FundMirae Asset India Equity Fund 
Point 1Lower mid AUM (₹9,688 Cr).Bottom quartile AUM (₹3,374 Cr).Bottom quartile AUM (₹8,125 Cr).Highest AUM (₹53,626 Cr).Upper mid AUM (₹39,477 Cr).
Point 2Established history (17+ yrs).Established history (11+ yrs).Oldest track record among peers (18 yrs).Established history (16+ yrs).Established history (17+ yrs).
Point 3Top rated.Rating: 5★ (upper mid).Rating: 5★ (lower mid).Rating: 5★ (bottom quartile).Rating: 5★ (bottom quartile).
Point 4Risk profile: High.Risk profile: High.Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: Moderately High.
Point 55Y return: 21.43% (lower mid).5Y return: 21.52% (upper mid).5Y return: 23.16% (top quartile).5Y return: 19.27% (bottom quartile).5Y return: 16.72% (bottom quartile).
Point 63Y return: 16.91% (bottom quartile).3Y return: 17.02% (lower mid).3Y return: 25.11% (top quartile).3Y return: 18.18% (upper mid).3Y return: 13.97% (bottom quartile).
Point 71Y return: 6.83% (top quartile).1Y return: 4.80% (upper mid).1Y return: 4.34% (lower mid).1Y return: 1.73% (bottom quartile).1Y return: -0.44% (bottom quartile).
Point 8Alpha: -2.57 (bottom quartile).Alpha: -6.06 (bottom quartile).Alpha: 11.03 (top quartile).Alpha: 3.91 (upper mid).Alpha: 1.60 (lower mid).
Point 9Sharpe: 0.03 (top quartile).Sharpe: -0.18 (lower mid).Sharpe: 0.03 (upper mid).Sharpe: -0.37 (bottom quartile).Sharpe: -0.52 (bottom quartile).
Point 10Information ratio: 0.32 (upper mid).Information ratio: 0.14 (bottom quartile).Information ratio: 1.26 (top quartile).Information ratio: 0.19 (lower mid).Information ratio: -0.17 (bottom quartile).

ICICI Prudential Banking and Financial Services Fund

  • Lower mid AUM (₹9,688 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 21.43% (lower mid).
  • 3Y return: 16.91% (bottom quartile).
  • 1Y return: 6.83% (top quartile).
  • Alpha: -2.57 (bottom quartile).
  • Sharpe: 0.03 (top quartile).
  • Information ratio: 0.32 (upper mid).

Aditya Birla Sun Life Banking And Financial Services Fund

  • Bottom quartile AUM (₹3,374 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: High.
  • 5Y return: 21.52% (upper mid).
  • 3Y return: 17.02% (lower mid).
  • 1Y return: 4.80% (upper mid).
  • Alpha: -6.06 (bottom quartile).
  • Sharpe: -0.18 (lower mid).
  • Information ratio: 0.14 (bottom quartile).

Invesco India Growth Opportunities Fund

  • Bottom quartile AUM (₹8,125 Cr).
  • Oldest track record among peers (18 yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.16% (top quartile).
  • 3Y return: 25.11% (top quartile).
  • 1Y return: 4.34% (lower mid).
  • Alpha: 11.03 (top quartile).
  • Sharpe: 0.03 (upper mid).
  • Information ratio: 1.26 (top quartile).

Kotak Standard Multicap Fund

  • Highest AUM (₹53,626 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 19.27% (bottom quartile).
  • 3Y return: 18.18% (upper mid).
  • 1Y return: 1.73% (bottom quartile).
  • Alpha: 3.91 (upper mid).
  • Sharpe: -0.37 (bottom quartile).
  • Information ratio: 0.19 (lower mid).

Mirae Asset India Equity Fund 

  • Upper mid AUM (₹39,477 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 16.72% (bottom quartile).
  • 3Y return: 13.97% (bottom quartile).
  • 1Y return: -0.44% (bottom quartile).
  • Alpha: 1.60 (lower mid).
  • Sharpe: -0.52 (bottom quartile).
  • Information ratio: -0.17 (bottom quartile).

1. ICICI Prudential Banking and Financial Services Fund

ICICI Prudential Banking and Financial Services Fund is an Open-ended equity scheme that seeks to generate long-term capital appreciation to unitholders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for ICICI Prudential Banking and Financial Services Fund

  • Lower mid AUM (₹9,688 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 21.43% (lower mid).
  • 3Y return: 16.91% (bottom quartile).
  • 1Y return: 6.83% (top quartile).
  • Alpha: -2.57 (bottom quartile).
  • Sharpe: 0.03 (top quartile).
  • Information ratio: 0.32 (upper mid).
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding ICICI Bank Ltd (~20.5%).
  • Top-3 holdings concentration ~47.7%.

Below is the key information for ICICI Prudential Banking and Financial Services Fund

ICICI Prudential Banking and Financial Services Fund
Growth
Launch Date 22 Aug 08
NAV (03 Oct 25) ₹133.56 ↑ 0.19   (0.14 %)
Net Assets (Cr) ₹9,688 on 31 Aug 25
Category Equity - Sectoral
AMC ICICI Prudential Asset Management Company Limited
Rating
Risk High
Expense Ratio 1.83
Sharpe Ratio 0.03
Information Ratio 0.32
Alpha Ratio -2.57
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹17,263
30 Sep 22₹17,101
30 Sep 23₹20,162
30 Sep 24₹25,799
30 Sep 25₹26,594

ICICI Prudential Banking and Financial Services Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033
Invest Now

Returns for ICICI Prudential Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Oct 25

DurationReturns
1 Month 2%
3 Month -1.2%
6 Month 9.1%
1 Year 6.8%
3 Year 16.9%
5 Year 21.4%
10 Year
15 Year
Since launch 16.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 11.6%
2023 17.9%
2022 11.9%
2021 23.5%
2020 -5.5%
2019 14.5%
2018 -0.4%
2017 45.1%
2016 21.1%
2015 -7.2%
Fund Manager information for ICICI Prudential Banking and Financial Services Fund
NameSinceTenure
Roshan Chutkey29 Jan 187.59 Yr.
Sharmila D’mello30 Jun 223.17 Yr.

Data below for ICICI Prudential Banking and Financial Services Fund as on 31 Aug 25

Equity Sector Allocation
SectorValue
Financial Services95.04%
Health Care1.4%
Industrials0.33%
Asset Allocation
Asset ClassValue
Cash3.23%
Equity96.77%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | ICICIBANK
21%₹1,988 Cr14,219,497
↑ 131,277
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK
19%₹1,842 Cr19,359,856
↑ 1,349,342
Axis Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | AXISBANK
8%₹790 Cr7,555,437
State Bank of India (Financial Services)
Equity, Since 31 Oct 08 | SBIN
8%₹762 Cr9,489,675
SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 17 | SBILIFE
5%₹522 Cr2,892,347
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 23 | KOTAKBANK
5%₹462 Cr2,356,388
HDFC Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 23 | HDFCLIFE
4%₹394 Cr5,099,696
↑ 1,537
Max Financial Services Ltd (Financial Services)
Equity, Since 31 Aug 19 | MFSL
3%₹264 Cr1,649,161
↓ -199,065
ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 19 | ICICIGI
3%₹249 Cr1,355,046
LIC Housing Finance Ltd (Financial Services)
Equity, Since 30 Nov 24 | LICHSGFIN
2%₹192 Cr3,450,348
↑ 866,055

2. Aditya Birla Sun Life Banking And Financial Services Fund

The primary investment objective of the Scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.

Research Highlights for Aditya Birla Sun Life Banking And Financial Services Fund

  • Bottom quartile AUM (₹3,374 Cr).
  • Established history (11+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: High.
  • 5Y return: 21.52% (upper mid).
  • 3Y return: 17.02% (lower mid).
  • 1Y return: 4.80% (upper mid).
  • Alpha: -6.06 (bottom quartile).
  • Sharpe: -0.18 (lower mid).
  • Information ratio: 0.14 (bottom quartile).
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~98%).
  • Largest holding ICICI Bank Ltd (~20.4%).
  • Top-3 holdings concentration ~46.1%.

Below is the key information for Aditya Birla Sun Life Banking And Financial Services Fund

Aditya Birla Sun Life Banking And Financial Services Fund
Growth
Launch Date 14 Dec 13
NAV (03 Oct 25) ₹60.53 ↑ 0.08   (0.13 %)
Net Assets (Cr) ₹3,374 on 31 Aug 25
Category Equity - Sectoral
AMC Birla Sun Life Asset Management Co Ltd
Rating
Risk High
Expense Ratio 1.99
Sharpe Ratio -0.18
Information Ratio 0.14
Alpha Ratio -6.06
Min Investment 1,000
Min SIP Investment 1,000
Exit Load 0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹17,779
30 Sep 22₹17,350
30 Sep 23₹21,687
30 Sep 24₹26,653
30 Sep 25₹27,010

Aditya Birla Sun Life Banking And Financial Services Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033
Invest Now

Returns for Aditya Birla Sun Life Banking And Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Oct 25

DurationReturns
1 Month 3.1%
3 Month -2%
6 Month 8.9%
1 Year 4.8%
3 Year 17%
5 Year 21.5%
10 Year
15 Year
Since launch 16.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.7%
2023 21.7%
2022 11.5%
2021 16.8%
2020 1.1%
2019 14.9%
2018 -2.4%
2017 47.6%
2016 15.7%
2015 -0.5%
Fund Manager information for Aditya Birla Sun Life Banking And Financial Services Fund
NameSinceTenure
Dhaval Gala26 Aug 1510.02 Yr.
Dhaval Joshi21 Nov 222.78 Yr.

Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 31 Aug 25

Equity Sector Allocation
SectorValue
Financial Services96.39%
Technology1.15%
Asset Allocation
Asset ClassValue
Cash2.46%
Equity97.54%
Other0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 13 | ICICIBANK
20%₹689 Cr4,927,929
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 13 | HDFCBANK
19%₹626 Cr6,583,496
Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | AXISBANK
7%₹241 Cr2,302,100
State Bank of India (Financial Services)
Equity, Since 31 Oct 17 | SBIN
6%₹218 Cr2,718,689
Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 16 | BAJFINANCE
6%₹188 Cr2,137,250
HDB Financial Services Ltd (Financial Services)
Equity, Since 30 Jun 25 | HDBFS
3%₹111 Cr1,429,781
Cholamandalam Financial Holdings Ltd (Financial Services)
Equity, Since 31 Jan 20 | CHOLAHLDNG
3%₹108 Cr623,906
ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 19 | ICICIGI
3%₹104 Cr565,076
AU Small Finance Bank Ltd (Financial Services)
Equity, Since 30 Nov 23 | AUBANK
3%₹104 Cr1,446,861
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 19 | KOTAKBANK
3%₹92 Cr469,972

3. Invesco India Growth Opportunities Fund

(Erstwhile Invesco India Growth Fund)

The investment objective of the Scheme is to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. However, there can be no assurance that the objectives of the scheme will be achieved.

Research Highlights for Invesco India Growth Opportunities Fund

  • Bottom quartile AUM (₹8,125 Cr).
  • Oldest track record among peers (18 yrs).
  • Rating: 5★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 23.16% (top quartile).
  • 3Y return: 25.11% (top quartile).
  • 1Y return: 4.34% (lower mid).
  • Alpha: 11.03 (top quartile).
  • Sharpe: 0.03 (upper mid).
  • Information ratio: 1.26 (top quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~99%).
  • Largest holding Trent Ltd (~5.3%).

Below is the key information for Invesco India Growth Opportunities Fund

Invesco India Growth Opportunities Fund
Growth
Launch Date 9 Aug 07
NAV (03 Oct 25) ₹100 ↑ 0.02   (0.02 %)
Net Assets (Cr) ₹8,125 on 31 Aug 25
Category Equity - Large & Mid Cap
AMC Invesco Asset Management (India) Private Ltd
Rating
Risk Moderately High
Expense Ratio 1.82
Sharpe Ratio 0.03
Information Ratio 1.26
Alpha Ratio 11.03
Min Investment 5,000
Min SIP Investment 100
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹14,981
30 Sep 22₹14,705
30 Sep 23₹17,365
30 Sep 24₹27,973
30 Sep 25₹28,281

Invesco India Growth Opportunities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹543,623.
Net Profit of ₹243,623
Invest Now

Returns for Invesco India Growth Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Oct 25

DurationReturns
1 Month -1.3%
3 Month -1.4%
6 Month 14.6%
1 Year 4.3%
3 Year 25.1%
5 Year 23.2%
10 Year
15 Year
Since launch 13.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 37.5%
2023 31.6%
2022 -0.4%
2021 29.7%
2020 13.3%
2019 10.7%
2018 -0.2%
2017 39.6%
2016 3.3%
2015 3.8%
Fund Manager information for Invesco India Growth Opportunities Fund
NameSinceTenure
Aditya Khemani9 Nov 231.81 Yr.
Amit Ganatra21 Jan 223.61 Yr.

Data below for Invesco India Growth Opportunities Fund as on 31 Aug 25

Equity Sector Allocation
SectorValue
Financial Services27.29%
Consumer Cyclical20.16%
Health Care20.02%
Industrials13.09%
Real Estate6.87%
Technology5.99%
Basic Materials4.33%
Communication Services1.69%
Asset Allocation
Asset ClassValue
Cash0.56%
Equity99.42%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Trent Ltd (Consumer Cyclical)
Equity, Since 28 Feb 22 | TRENT
5%₹432 Cr815,029
Eternal Ltd (Consumer Cyclical)
Equity, Since 30 Jun 23 | 543320
5%₹430 Cr13,689,301
↑ 1,720,863
InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Mar 24 | INDIGO
5%₹422 Cr747,445
↑ 32,614
Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 30 Nov 22 | 543220
5%₹420 Cr3,641,271
↑ 322,602
Swiggy Ltd (Consumer Cyclical)
Equity, Since 30 Nov 24 | SWIGGY
4%₹365 Cr8,909,867
Sai Life Sciences Ltd (Healthcare)
Equity, Since 31 Dec 24 | SAILIFE
4%₹353 Cr4,283,799
↑ 1,156,100
Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 28 Feb 23 | CHOLAFIN
4%₹348 Cr2,449,413
↑ 35,677
BSE Ltd (Financial Services)
Equity, Since 31 Oct 23 | BSE
4%₹331 Cr1,580,775
Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Dec 23 | PRESTIGE
4%₹299 Cr1,914,877
L&T Finance Ltd (Financial Services)
Equity, Since 30 Apr 24 | LTF
4%₹291 Cr13,404,597

4. Kotak Standard Multicap Fund

(Erstwhile Kotak Select Focus Fund)

The investment objective of the scheme is to generate long term appreciation from the portfolio of equity and equity related sectors, generally focussed on few selected sectors.

Research Highlights for Kotak Standard Multicap Fund

  • Highest AUM (₹53,626 Cr).
  • Established history (16+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 19.27% (bottom quartile).
  • 3Y return: 18.18% (upper mid).
  • 1Y return: 1.73% (bottom quartile).
  • Alpha: 3.91 (upper mid).
  • Sharpe: -0.37 (bottom quartile).
  • Information ratio: 0.19 (lower mid).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~96%).
  • Largest holding ICICI Bank Ltd (~6.9%).

Below is the key information for Kotak Standard Multicap Fund

Kotak Standard Multicap Fund
Growth
Launch Date 11 Sep 09
NAV (03 Oct 25) ₹84.877 ↑ 0.53   (0.63 %)
Net Assets (Cr) ₹53,626 on 31 Aug 25
Category Equity - Multi Cap
AMC Kotak Mahindra Asset Management Co Ltd
Rating
Risk Moderately High
Expense Ratio 1.47
Sharpe Ratio -0.37
Information Ratio 0.19
Alpha Ratio 3.91
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹15,201
30 Sep 22₹14,967
30 Sep 23₹17,785
30 Sep 24₹24,378
30 Sep 25₹24,102

Kotak Standard Multicap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520
Invest Now

Returns for Kotak Standard Multicap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Oct 25

DurationReturns
1 Month 0.9%
3 Month -2.1%
6 Month 10.7%
1 Year 1.7%
3 Year 18.2%
5 Year 19.3%
10 Year
15 Year
Since launch 14.2%
Historical performance (Yearly) on absolute basis
YearReturns
2024 16.5%
2023 24.2%
2022 5%
2021 25.4%
2020 11.8%
2019 12.3%
2018 -0.9%
2017 34.3%
2016 9.4%
2015 3%
Fund Manager information for Kotak Standard Multicap Fund
NameSinceTenure
Harsha Upadhyaya4 Aug 1213.08 Yr.

Data below for Kotak Standard Multicap Fund as on 31 Aug 25

Equity Sector Allocation
SectorValue
Financial Services25.47%
Industrials19.95%
Basic Materials14.39%
Consumer Cyclical10.72%
Technology7.19%
Energy5.69%
Utility3.47%
Health Care3.18%
Communication Services3.03%
Consumer Defensive2.58%
Asset Allocation
Asset ClassValue
Cash4.33%
Equity95.67%
Other0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Sep 10 | ICICIBANK
7%₹3,704 Cr26,500,000
Bharat Electronics Ltd (Industrials)
Equity, Since 31 Aug 14 | BEL
6%₹3,177 Cr86,000,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
6%₹3,045 Cr32,000,000
UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Mar 14 | ULTRACEMCO
4%₹2,180 Cr1,725,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 13 | LT
4%₹2,017 Cr5,600,000
State Bank of India (Financial Services)
Equity, Since 31 Jan 12 | SBIN
4%₹1,910 Cr23,800,000
Jindal Steel Ltd (Basic Materials)
Equity, Since 31 Mar 18 | JINDALSTEL
3%₹1,797 Cr19,000,000
SRF Ltd (Industrials)
Equity, Since 31 Dec 18 | SRF
3%₹1,773 Cr6,250,000
Infosys Ltd (Technology)
Equity, Since 30 Nov 10 | INFY
3%₹1,690 Cr11,500,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 May 12 | AXISBANK
3%₹1,672 Cr16,000,000

5. Mirae Asset India Equity Fund 

(Erstwhile Mirae Asset India Opportunities Fund)

The investment objective of the scheme is to generate long term capital appreciation by capitalizing on potential investment opportunities through predominantly investing in equities, equity related securities.

Research Highlights for Mirae Asset India Equity Fund 

  • Upper mid AUM (₹39,477 Cr).
  • Established history (17+ yrs).
  • Rating: 5★ (bottom quartile).
  • Risk profile: Moderately High.
  • 5Y return: 16.72% (bottom quartile).
  • 3Y return: 13.97% (bottom quartile).
  • 1Y return: -0.44% (bottom quartile).
  • Alpha: 1.60 (lower mid).
  • Sharpe: -0.52 (bottom quartile).
  • Information ratio: -0.17 (bottom quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~100%).
  • Largest holding HDFC Bank Ltd (~9.7%).

Below is the key information for Mirae Asset India Equity Fund 

Mirae Asset India Equity Fund 
Growth
Launch Date 4 Apr 08
NAV (03 Oct 25) ₹112.699 ↑ 0.28   (0.24 %)
Net Assets (Cr) ₹39,477 on 31 Aug 25
Category Equity - Multi Cap
AMC Mirae Asset Global Inv (India) Pvt. Ltd
Rating
Risk Moderately High
Expense Ratio 1.16
Sharpe Ratio -0.52
Information Ratio -0.17
Alpha Ratio 1.6
Min Investment 5,000
Min SIP Investment 1,000
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹15,431
30 Sep 22₹14,979
30 Sep 23₹17,067
30 Sep 24₹22,438
30 Sep 25₹21,682

Mirae Asset India Equity Fund  SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689
Invest Now

Returns for Mirae Asset India Equity Fund 

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 3 Oct 25

DurationReturns
1 Month 0.2%
3 Month -0.9%
6 Month 8.7%
1 Year -0.4%
3 Year 14%
5 Year 16.7%
10 Year
15 Year
Since launch 14.8%
Historical performance (Yearly) on absolute basis
YearReturns
2024 12.7%
2023 18.4%
2022 1.6%
2021 27.7%
2020 13.7%
2019 12.7%
2018 -0.6%
2017 38.6%
2016 8.1%
2015 4.3%
Fund Manager information for Mirae Asset India Equity Fund 
NameSinceTenure
Gaurav Misra31 Jan 196.59 Yr.

Data below for Mirae Asset India Equity Fund  as on 31 Aug 25

Equity Sector Allocation
SectorValue
Financial Services31.14%
Consumer Cyclical12.85%
Technology11.86%
Consumer Defensive10.68%
Basic Materials7.83%
Industrials7.04%
Energy5.53%
Health Care4.93%
Communication Services3.99%
Utility3.18%
Real Estate0.6%
Asset Allocation
Asset ClassValue
Cash0.36%
Equity99.64%
Other0%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 09 | HDFCBANK
10%₹3,822 Cr40,160,960
↑ 408,946
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
8%₹3,217 Cr23,014,569
↑ 2,406,411
Infosys Ltd (Technology)
Equity, Since 31 May 08 | INFY
6%₹2,301 Cr15,659,399
↓ -270,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 08 | RELIANCE
5%₹1,837 Cr13,533,143
ITC Ltd (Consumer Defensive)
Equity, Since 29 Feb 12 | ITC
4%₹1,708 Cr41,682,621
↑ 3,393,022
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Aug 10 | BHARTIARTL
4%₹1,577 Cr8,349,033
Tata Consultancy Services Ltd (Technology)
Equity, Since 31 May 09 | TCS
4%₹1,512 Cr4,900,679
↓ -277,612
Larsen & Toubro Ltd (Industrials)
Equity, Since 29 Feb 12 | LT
3%₹1,377 Cr3,822,728
Axis Bank Ltd (Financial Services)
Equity, Since 31 Mar 14 | AXISBANK
3%₹1,271 Cr12,161,259
↓ -353,567
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 31 Mar 12 | MARUTI
3%₹1,004 Cr678,906
↑ 94,232

SIP Return Calculator

The returns of SIP keep on varying. However, assuming the historical rate of returns being 15%, let’s see how the SIP investment of INR 1,000 grows over a period of 12 months.

SIP_Calculator

FD Calculator

The FD rates also keep on varying from bank to banks. However, assuming the interest rate to be 6%, let us see how the FD will perform over a period of 12 months if the investment amount is INR 1,000.

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Conclusion: SIP or FD

To conclude, it can be said that SIP has more advantages as compared to FD. However, it is always advised to people that they understand a scheme’s functioning completely before investing. In addition, they can even consult a personal financial advisor to ensure that their investment is safe and their objectives are met.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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